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Does Proactivity Affect Insurance Solidarity and Individual Responsibility?

Alberto Cevolini1, Elena Esposito2

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|May 21, 2025
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Digital insurance innovations personalize coverage using policyholder data. This may enhance efficiency but risks undermining collective risk management and insurance solidarity.

Keywords:
behavioural insuranceinsurance solidaritypersonalised predictionpreventionproactivityresponsibility

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Area of Science:

  • Insurance studies
  • Technology and society
  • Risk management

Background:

  • The insurance industry is undergoing significant transformation due to technological advancements over the past two decades.
  • Digital technologies are increasingly used to monitor policyholder behavior and customize insurance policies.

Purpose of the Study:

  • To explore the implications of using digital technologies for behavioral monitoring and personalized insurance.
  • To analyze the potential benefits and drawbacks of data-driven insurance models.

Main Methods:

  • Review of technological innovations in the insurance sector.
  • Analysis of the impact of behavioral data on insurance personalization and risk assessment.
  • Discussion of the ethical and social consequences of individualized insurance.

Main Results:

  • Digital technologies enable personalized predictions and proactive insurance policies, prompting policyholders to mitigate future damages.
  • Potential benefits include improved efficiency (loss ratio) and foresight (risk assessment).
  • A significant drawback is the increased focus on individual responsibility, potentially weakening collective risk management.

Conclusions:

  • While data-driven insurance offers efficiency gains, it may erode the principle of solidarity essential for mutual protection.
  • The shift towards individual responsibility could undermine the social function of insurance.
  • Careful consideration is needed to balance technological innovation with the core values of insurance.